It’s an idea that dates to the 1960s, when two professors proposed it in the Harvard Law Review to reduce rising insurance premiums, which were blamed on an increase in lawsuits. Rates for the poorest Floridians would likely go up, simply because they would be required to carry more insurance. Whether those policies would be cheaper than they are today is unclear, though.
The only way to make sure you get the best rate is to compare car insurance quotes from a few companies. We recommend comparing at least three quotes any time you shop. As you’ll see in a moment, car insurance premiums depend on a wide variety of factors that are unique to each driver. Based on your driver profile, what you pay for your policy is different from what your friends, family and neighbors pay for theirs. Auto insurance premiums have historically been priced on underwriting and rating. Underwriting is a process where the insurer assesses the applicant’s risk.
IT TOOK 36 DAYS BUT I FINALLY GOT MY AUTO INSURANCE CHANGED SO I CAN ACTUALLY BE A FULLY LEGAL RESIDENT IN THIS STATE pic.twitter.com/xFtGfleLRn
— Sarah (@_Sarahcat) October 21, 2021
The agent said I should have taken pictures of the fire before putting it out. Positive rating action could occur if the group sustains a long-term improvement in operating performance. The ratings reflect State Auto’s balance sheet strength, which AM Best categorizes as strongest, as well as its marginal operating performance, neutral business profile and appropriate enterprise risk management . The 2-15 Agents license allows you to sell all forms of Life Insurance, Health Insurance, Medicare Supplement, HMO, Home Health Care, Managed Care and Long Term Care policies in Florida.
How To Cancel Auto Insurance Everything You Need To Know
Optional coverage types for auto insurance includes emergency road service, rental reimbursement and mechanical breakdown insurance. For drivers who want to protect their vehicle when it’s financed or leased, Travelers offers loan/lease gap insurance. If your vehicle is totaled, this add-on coverage can help cover the difference between the actual cash value of the car and the remaining balance of your loan or lease. For drivers concerned about a rate increase after an at-fault accident, USAA offers accident forgiveness insurance. If you remain accident-free for five years, your premium won’t go up after one at-fault accident. State Auto has been accredited by the BBB since 1941, and currently has an A+ rating.
Combine your auto insurance with homeowners, condo, or renters, and you could earn a multi-policy discount.Δ Plus, you’ll enjoy the convenience of having all your policies in one place. Protect your home, belongings, and financial security with homeowners insurance. With a variety of coverages, and plenty of ways to save, you can create a policy that keeps your home safe and fits your budget.
Geico also has a longer list of discounts than State Farm, including savings for owning a car with safety features, such as air bags or anti-lock brakes, and insuring more than one vehicle. These coverage types are similar in that both can pay for medical costs for you and your passengers. MedPay pays for medical purposes only — health insurance deductibles, hospital visits, surgery and other qualified medical charges. PIP will pay for expenses, but also rehabilitation, lost wages if you are out of work due to the accident and household help while you’re recovering from your injuries. According to the New York State Department of Financial Services, you can file a PIP claim up to 30 days after an accident if injuries are involved — either your own or those of passengers in your vehicle. You would file this claim no matter whose fault the accident was since PIP extends coverage regardless of fault.
Consider adding delivery coverage add-ons to your existing personal policy to save more money. Uber auto insurance coverage is pretty decent, with $1 million in liability coverage and up to $100,000 in collision coverage per accident. In most cases, food delivery drivers will only need a business auto insurance policy. Commercial auto insurance is more necessary for a business owner with work vehicles that are driven by employees.
The state has not yet done any study of its own about the current version of the bill. By Jan. 1, 2022, nearly every motorist in Florida would have a new insurance policy. An agent can help you determine the best combination of coverages and dollar amounts based on the requirements of the state where you live, whether you’re leasing or paying a loan on your car, or other factors. Liability — Covers another person’s injuries or property damage, up to a certain dollar amount determined by your policy. Below you’ll see average rates by state for minimum liability levels of coverage. Each state requires you to have a minimum level of liability coverage, though you can buy more to ensure you’re fully protected if you cause an accident.
Any money saved by not having insurance could be lost if you get into an accident—you’re still financially responsible for damages. You could save money over time—especially if you don’t get into an accident. Car insurance is so important that most states require coverage by law, but not all states mandate it. Many insurers offer reduced rates to members of certain groups. In addition, many group plans do not charge interest or require an initial deposit. If you can afford to take a cab or rent a car when your car is in the shop for collision repairs, you may not need Substitute Transportation coverage.
What you pay for car insurance depends on things like your age and location, and prices can vary drastically between providers. That’s why it’s important to compare car insurance rates from multiple companies each time you shop. Before signing an application for any insurance coverage, verify that the company and the agent are licensed to do business in South Carolina. It is illegal for unlicensed insurers to sell insurance and, if you buy from an unlicensed insurer, you have no guarantee that the coverage you pay for will ever be honored.
The system will search for vehicles associated with your address. You can select from the listed choices or enter your vehicle information manually. For each vehicle, you will be asked for usage information among other details. State Farm’s options for claims filing are right on top of the industry. After six months a discount is earned for successful completion of the program. Unlike other programs, Drive Safe and Save doesn’t have a limited time period for data collection.
You’ll be safe from fees if you cancel at renewal time; there won’t be any fees no matter what company you use. Your level of coverage will likely change, as different states require different levels and types of coverage. If you’re not ready to make a lifelong commitment to that sort of transportation and may consider buying a vehicle a few months down the road, you might consider a non-owners policy. Finally, you may also consider suspending coverage if your insurer and state allow. If your vehicle is financed, your lender will likely require you to maintain full coverage regardless of your vehicle storage status. If you sell your car and have no plans of purchasing another, then you’ll want to outright cancel your coverage.
Founded in 1936, State Mutual Insurance serves the rural heartland of America with supplemental and Medicare supplemental policies designed to cover gaps in standard medical insurance plans. Our policy areas cover critical illness events for cancer, heart attack and stroke, accidents, and chronic sickness in addition to Medicare supplemental plans. If a member of the military is called to active duty, they may designate an adult third party to receive bills and other notices related to their insurance coverage.
Get a free car insurance quote from the industry leader or learn about available policies. With over 150 years of experience in providing auto insurance and local agents around the U.S., Travelers is recognized by third-party agencies like J.D. In terms of customer best value auto insurance satisfaction, Travelers is especially high performing in certain regions, like New York, where it earned a score of 861 out of 1,000 points in the 2021 J.D. In other regions like the Mid-Atlantic and Florida, Travelers earned a score just under industry average.
This is used as the base rate from which insurers calculate your premium. Other pricing factors, such as your driving record, type of car you drive, how much coverage you buy and your age are then added into the calculation. Travelers is one of the largest auto insurance companies in the U.S. Some car insurance companies give their customers a one-time “get out of jail free” pass.
Progressive also offers a deductible savings bank which helps pay your deductible. For every claim-free policy period, Progressive will subtract $50 from your deductible. While Geico is a reliable option for most drivers, we encourage getting quotes from multiple providers so you can compare coverage and rates.
Full coverage isn’t a specific policy you can buy, but rather a combination of coverage types like liability, collision and comprehensive insurance. So to think they should be settled in a day is totally unrealistic. As a homeowner it is your responsibility to take care of your house find contractors.
North Carolina Department Of Insurance
The most common types are collision coverage and comprehensive coverage. Non-standard auto insurance refers to the tier of car insurance reserved for risky drivers. In most cases, it is the same as standard coverage, except that the premiums are higher.
- If you’re switching to another insurance company to get cheaper auto insurance — or better service — it’s important to avoid a gap in coverage.
- Some states don’t allow insurance companies to charge an early cancellation fee.
- STFC’s principal insurance subsidiaries are State Auto Property & Casualty, Milbank Insurance Company, and State Auto Insurance Company of Ohio, each of which is a property and casualty insurance company.
- AAA provides customized information depending on your zip code, which means that its website experience can be less intuitive than Allstate’s.
- It’s been almost a year since an accident that was not my fault ad although they paid the claim, they have made no attempt to recover the loss from the other drivers insurance company.
The insurance company’s cheap rates and simple claims make it a smart choice for most drivers. Geico auto insurance reviews are largely positive, indicating a reliable claims process and helpful agents. Despite its name, Auto-Owners home insurance is Reviews.com’s top pick for best home insurance company of 2021. With plenty of available discounts, tons of add-on coverage, and above-average customer service, Auto-Owners is the cream of the crop with home insurance. Top home insurance companies have plenty of discounts, strong financial ratings, and customizable coverage options. State Farm has over an 80 percent greater market share than the 2nd largest car insurance company Allstate and more than twice the market share of Geico, Progressive and Farmers.
State Auto Paint, Llc
However, it seems a company resolving all validated complaints , and if the company has a low volume of complaints for a company it’s size , the company will receive an “A+” grade. For insurance companies, this does not seem to me to be a reliable measure of customer satisfaction. It may be insurance companies are being compared to companies of a similar size in other industries, with a higher average number of valid complaints. Allstate underwrites its homeowners insurance, something that guarantees consistency in coverage and customer service to all its policyholders. Meanwhile, AAA works as a network of clubs that select local partners to offer its homeowners insurance, which means that discounts, policies, and deals might change depending on your property’s location. In terms of coverage around the U.S., both companies serve nationwide.
While raking in the profits, it seems that Progressive left many policyholders out in the cold. State Farm is a family of insurance and financial services companies that together serve tens of millions of customers in the U.S. James Shaffer is a writer for InsurancePanda.com and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance.
State Farm has moved into the modern age and allows the purchase of car insurance policies directly online. The policy will still be assigned to an agent, however, and that agent will be the one that earns the commission for it and handles all policy administration after you get your online auto insurance quote. Power, which rates companies in several industries and passes out awards to those with the best score. The two national surveys are for auto insurance shopping and claims satisfaction.
These restrictions do not require approval of the director or his designee and are not public information. When a cancellation or nonrenewal results solely from an insured’s oral request or inquiry, the explanation of reasons and summary of rights required by subsection of this section may be given orally. However, the insurer or agent making the cancellation or nonrenewal shall remain responsible for compliance with the obligations imposed by this section. The provisions of this section do not require disclosure of limits for fleet policy limits, umbrella coverages, or excess coverages. “John Doe” actions against unknown defendant; service of process and defense by insurer; action against or joinder of identified owner or operator.
You may be considered a high risk driver if convicted of a DUI or have multiple violations such as speeding tickets, Recent history is the most important factor. When you use your personal car to drive for a ridesharing company like Uber or Lyft, make sure you’re protected with rideshare insurance. When your vehicle hits another object, cheapest auto insurance in ny or overturns in an accident, you’re covered with collision insurance. 2 Discounts and their availability may vary by state and eligibility requirements. Policyholders install a tag device and mobile app, which monitors and scores their driving behavior based on factors like mileage, acceleration, braking, cornering and speed.
For claims satisfaction, the company earned a less competitive score with 861 out of 1,000 points, though its AM Best financial strength rating of A+ may help offer more confidence in its claim payout ability. We reviewed Travelers auto insurance based on key areas such as coverage, discounts, customer satisfaction, and how it compares to other top auto insurance companies in the nation. If you were caught driving without auto insurance, expect to pay about $450 a year from Progressive. Geico and State Farm offer better national average rates for people in this situation, based on our analysis.
In the case of an accident involving an older car, the cost of repairing the car can quickly exceed the worth of the car. In this case, insurers will “total” the car and pay you what the car was worth rather than fixing it. MetroOKC Insurance says part of its goal is to educate people about the insurance coverage they need, and the agency’s site includes a lot of useful information for customers. In online reviews, their customers say that have helpful insurance agents who find low priced auto insurance. Car insurance rates are determined by a lot of different things, like your driving history and the kind of car you have. We researched the average cost of car insurance by zip code for Oklahoma City and found that insurance costs vary even for people in the same city, depending on their address.
What Auto Insurance Coverage Do You Need For Catering?
Farmers Insurance offers the largest list of auto insurance coverages, based on our comparison. The add-ons available with Farmers are useful and fairly uncommon. While these coverage types are often required at the state level, the minimum amount of coverage allowed per person and per accident is different depending on your location.
“Pain and suffering” encompasses a lot of the negative ancillary effects of the accident and your injuries — everything from physical discomfort to stress and emotional distress and anxiety. Companies have their own rules, known as Merit Rating Plans, to determine how your driving record affects your premium. These plans lower your premium based on years of incident-free driving, or raise your premium based on accidents and traffic violations. Merit rating plans are subject to approval by the Commissioner of Insurance.
To find the exact minimum coverage requirements in your state, you can visit your state’s department of insurance website. Auto-Owners also offers most of the standard customer service options that are available from major insurers, including online billing and account access, a mobile app and 24-hour roadside assistance. The auto insurance companies that do offer DMV services are limited in what they can offer. The mission of The Truth About Insurance is to provide unbiased, objective insurance advice and tips to consumers on a variety of topics, ranging from auto insurance coverage to health care and beyond. Or just want to learn about your state’s specific auto insurance requirements and discounts?
Farm Bureau offers a wide range of discounts to its policyholders, including Continued In-Force Credit, Discounts for Multiple Cars, and Driven to Safety discounts. In contrast, State Auto also offers a few discounts that Farm Bureau doesn’t, including State Auto Start-Up, State Auto Safety 360, and Paid in Full discounts. Start taking advantage of discounts offered by insurance providers like Farm Bureau and State Auto insurance and save yourself some money.
Steer Clear not only helps teen drivers become safer drivers, but they could also save on their auto insurance. Parents, for Teen Driver Safety Week (Oct. 17-23), give my office a call to learn more or text STEER to 78836 for a link to download the app today. #GoodNeighbor pic.twitter.com/HxdwSuexu6
— Tom Clay (@TClayStateFarm) October 21, 2021
But any injuries they incur should be covered by your worker’s compensation. When you opt to have all of your delivery drivers use their own cars for work, you need non-owner auto insurance coverage. Comprehensive auto insurance coverage applies to any damage your commercial vehicle sustains in a non-collision event, such as hail damage, flooding, or vandalism. Scenario 1 – You have only personal auto insurance coverage and no coverage from the business you work for.
“The fundamental mechanism and purpose of insurance is to protect against any one-single catastrophic loss that can’t be absorbed by an individual. Ultimately, poor people have no assets to protect and therefore do not receive the typical benefits associated with insurance but are compelled to buy it for statutory reasons . Additionally, aarp auto and home insurance urban areas tend to have more cars on the road more often than rural areas. That leads an increased number of accidents, theft and vandalism. Our research shows that lowering PIP limits can lower your rates. However, remember that you must qualify by having a specific type of health care plan for some of the lower limits.
Take a look at this table, which is populated with data from the National Association of Insurance Commissioners , to see average liability coverage rates across the country. The broadest coverage on any vehicle listed on the policy will extend to newly acquired vehicles and also to temporary substitutes, but that’s not the case with trailers in tow. Instead, your liability coverage will extend to the trailer in tow.
Progressive had 1,235 complaints over the last three years, and 425 complaints in the last 12 months. It seems if an insurance company responds & resolves all complaints in a timely manner, it gets the highest rating from BBB. I can’t imagine the standard for each complaint is resolved to the customer’s satisfaction, and I’m sure all “good faith” attempts by a company to resolve a complaint counts as resolution. Progressive has a slightly higher number of complaints above its expected share of complaints.
Follow up your call with an explanation of what happened in writing, at the request of your agent or company. Overall satisfaction improved in four of the five key areas (settlement; estimation process; service interaction; and repair process) year over year, while satisfaction with first notice of loss is the same as in 2013. Overall satisfaction with non-catastrophic claims has increased by 11 points in 2014, compared with 2013 (843 vs. 832, respectively). “It has been more than 16 months since Superstorm Sandy hit and its effects are still being felt,” according to the report. “Satisfaction among those who filed a claim for damage caused by Sandy averages just 830 in 2014, down from 846 among Sandy-related claimants surveyed shortly after the storm.” The study also looked at the repercussions of Superstorm Sandy, which caused billions in damage in the northeast in late 2012.
Compare premiums, plans, and quotes from State Auto and Farm Bureau. State Auto hired their own engineer company to say that is was not hail and to not pay the claim. They are a rip off They will find every way to not pay a claim. State auto sucks, good luck getting help with a home or auto claim. Customer service sucks and when you do call good luck if you have to leave a message getting a call back.
In general, insurance companies should pay all claims in a prompt and reasonable amount of time. However, what constitutes “prompt and reasonable” may vary from claim to claim. Claims that require special or extended investigation may take longer to resolve. Inclement weather conditions often cause an increase in the number of claims filed and that can slow the process down as well. Comprehensive coverage also will cover broken glass, such as windshield damage.
Car Insurance Satisfaction Study for the state of Florida, the company has ranked as the top car insurer in New England for eight consecutive years. The latest release, completed within an aggressive timeframe, includes new digital tools and enhanced products, as well as telematics programs for both fleet and personal auto. State Auto is committed to the principle of equal employment opportunity for all associates and applicants and to providing associates with a work environment that is free from discrimination and harassment. State Auto will not tolerate discrimination or harassment based on any of these characteristics.
Our complaint is that our insurance company didn’t do a fair job appraising our vehicle. The cars they picked for comparison are not comparable to our vehicle. Two of them showed accident and damage in their Carfax report while our car had no previous accidents or damages. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. Location matters to car insurance companies, so if you move across the state or to a new state, be prepared for your premiums to change. Cheaper states for auto insurance tend to have lower population density and a competitive market for car insurance.
With seven office locations in Myrtle Beach, North Myrtle Beach, Conway, Mt. Pleasant, North Charleston, Murrells Inlet and Charleston and over 30 years of experience with personal injury cases. The Derrick Law Firm has the knowledge, skill and experience to protect you and your family. The website also states that you can begin the claims process by sending them a direct message through Twitter (@stateauto). Online claims reporting is becoming an expected service, although it’s still somewhat unusual to see smaller companies offering it, so it is good to see this service available here.
And you must file an appeal within 180 days after you have been notified of the denial of benefits. Catering business owners have a long list of insurance policies to consider when it comes to protecting their business. Likely, your Business Owner’s Policy will cover your employees when they’re driving on the clock. We compared prices across the country based on driving record, vehicle, delivery company, and personal profile to obtain the above rates.
Login for quick access to your previous policy, where all of your vehicle information is saved. Our experienced agents can help you with any paperwork and to manage your policy. Call us if you have any questions about this valuable coverage. At Liberty Mutual, we believe progress happens when people feel secure. By providing protection for the unexpected and delivering it with care, we help people embrace today and confidently pursue tomorrow.
Smaller, safer vehicles are cheaper to insure than SUVs or sports cars. If you’re going to be a delivery driver, driving an older and smaller vehicle for work will save you money. Many insurance companies offer delivery-only lines of coverage, policies for providing rideshare services, and even packages that cover all on-demand services, like Uber, Lyft, DoorDash, Grubhub, and more. However, businesses tend to have more money than their drivers, so the business could expect to be sued as well.
State Farm has always taken excellent care of my family and me in the areas of car, home, and life insurance. The absolute best car insurance coverage I have ever had, and I have tried others in my 43 years of marriage, is by far State Farm. They have always covered repairs on our cars when we were in accidents without question and without raising our rates.
Learn more about Calculating Pain and Suffering Damages After a Car Accident. For rating, companies may not use sex, marital status, race, creed, national origin, religion, age , occupation, income, education, home ownership, sexual orientation and gender identity. Insurance companies are also prohibited from using credit information from consumer reporting agencies for either underwriting or rating. Coverage for substitute transportation such as a rental car while your car is being repaired from a collision or comprehensive claim.
The site even has a convenient checklist of items to have on hand when quoting to improve the customer experience. State Farm offers all of the coverage you would expect from the top car insurance company in the nation. That includes all of the basics and add-ons to customize coverage.
Multiple losses, one deductible means that when you bundle, you can save money if an unexpected event damages both your car and home. Below is a list of the average rates that drivers typically pay with SAFECO and State Auto. On average, SAFECO charges approximately $170.42 per month while State Auto comes in at around $229.08 per month. For SAFECO, the cheapest state average is Florida at $47.80 per month and the most expensive is North Dakota at $334.33 per month.
Below, you’ll find a summary of which companies are offering coronavirus refunds, discounts or credits and the details of those offers. Auto Claims Satisfaction StudySM, in which it scored 890 out of 1,000 points. That means the vast majority of USAA customers are happy with the company’s claims service. You can use a single free tool to compare rates side-by-side at the same time.
” The good news is only a few of the top ten auto & home insurance companies are BBB accredited, and I did not see any bias in their ratings, based on their grades and number of reported complaints. The Council of Better Business Bureaus is the network hub for the many local Better Business Bureaus in the US and Canada. Better Business Bureaus assign letter grades to companies from A+ to F .
Allstate also made it to our list of best homeowners insurance companies. The caveat to these savings is that you’ll be paying for a AAA membership separate from your homeowners insurance premium. You may offset the cost of the membership and possibly save more besides that.
We also have had dealings with other insurers outside the AAJ list that use questionable tactics to minimize and avoid paying valid claims. The insurance industry in America makes a staggering $1,000,000,000,000 annually from premiums, according to the American Association for Justice . Just like a Social Security Number, the NAIC number makes it easy to track certain information. You can use the NAIC number to check complaints about a specific company or view license information, for example.
We are committed to the health and safety of our customers, employees and agents, and the communities where we live and work. Continuous innovation and adaptation have positioned State Farm as the insurance industry leader. Like all of the insurance coverage choices out there, State Farm has some auto insurance utah good points and some not-so-good points. Here’s a simple breakdown of the pros and cons of choosing State Farm for your car insurance. Consider the situation of a young driver whose parents have been insured with State Farm for some time, are good drivers, and have multiple policies in force.
Car insurance tips for college students!👉🏼Your child’s car could still be covered when they come home for weekends and breaks👉🏼You might qualify for a different (and cheaper) auto insurance rate👉🏼You might receive a discount for their grades#myagentrodolfo #statefarm #insurance pic.twitter.com/Htre2TgEij
— Rodolfo Perez – State Farm Agent (@myagentrodolfo) October 21, 2021
The car insurance agency gets high ratings from online reviewers. Local customers says the agents got them lower car insurance rates than they’d found elsewhere. Knowing how to cancel auto insurance ensures a smooth transition and helps you to avoid fees.
The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect. We’ll also help you find out how much auto insurance you might need.
Application for original issuance of policy of insurance covering liability; cancellation notice; disclosure of previous cancellation or refusal to renew. Review and reports on impact of repeal of antirebate laws concerning sale of automobile insurance. (12.5) “Reduction in coverage” means a change made by the insurer which results in a removal of coverage, diminution in scope or less coverage, or the addition of an exclusion.
This means auto insurance for towing a trailer is often covered by your personal auto policy, but there are qualifications, which we’ll discuss in a later section. Unlike no-fault insurance, tort insurance requires that the law assigns “fault” and the person that is at fault is responsible for all medical bills, pain and suffering and damage. You may have heard this type of insurance referred to as “at-fault”. If you live in Kentucky, New Jersey or Pennsylvania, ask about choice no-fault insurance.
This will typically reflect the address on your current vehicle registration, or drivers license. If you make any move at all, you should inform your insurance company immediately. Even a move to a new ZIP code within the same larger city can affect your rates. If your current insurance company terminated your coverage, it could hurt you financially. It will be marked on your underwriting profile that you moved out of state and didn’t inform your previous company.
Though some states do not technically require it, every state requires you have enough in assets to cover the minimum liability requirements. However, because having expensive assets — like a house — is likely not an ideal tradeoff in covering a claim, insurance experts generally recommend purchasing car insurance to keep yourself financially protected. Use it to compare companies and make sure that the company you sign up with has the customer service, claims processing, and financial strength you desire in a carrier. We’ve checked out all types of insurance quotes and coverage, but this review examines the specialty carrier State Automobile Mutual Insurance Company, which aims to offer reasonable prices with fast, fair claims service. Much like other larger insurance company titans like State Farm, Geico, and USAA, they offer other insurance policies–homeowners insurance, renters insurance, life insurance, and business insurance. State Auto Insurance Company was founded in 1921 by Robert Pein and headquartered in Columbus, Ohio in the United States.
Bankrate’s 2021 study of quoted annual premiums found that in the U.S., the average car insurance premium is $1,674 per year for a full coverage policy and $565 per year for minimum coverage. To find cheaper coverage, it helps to shop around and get quotes from multiple providers. It’s hard to find auto insurance companies that offer DMV services since most states require drivers to use the DMV for services. However, AAA is available in all 50 states and offers DMV services in many of them.